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Old 04-09-2014, 08:35 PM   #1
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Exclamation Insurance Issues for my TJ Wrangler

Trying to get my vehicles (cargo van & Wrangler) insured in my name to help build on my credit history. They are both currently through a parent's insurance company. So far I have had no such luck with my Jeep as it is sitting on a non-factory installed modified suspension. Most insurance companies will not insure that kind of a vehicle with an after market lift kit. However, I did find some insurance companies that could - but only if I can prove the modified lifted suspension has been installed by a certified license professional.

I bought my 1998 Jeep Wrangler Sport 4.0 TJ from an owner that I could not speak to directly. I had to speak through an acquaintance (friend). It was suppose to come with a soft top, but never did get that. They never told me if the Jeep was taken to a certified license garage that installed the after market lift kit or if it was a DIY project.

So for the other three (3) insurance companies, I have two options; 1) Take the Jeep to a certified license garage that specializes in modified suspension packages and have them inspect my Jeep to see if it is safe to be driven on public roads. And to certify that the Jeep is road worthy safe. 2) Insure the Jeep solely as an ORV that WILL NOT be driven on public roads and WILL NOT be allowed to have a license plate/registration.

Right now my Wrangler is my primary vehicle to get to work & get around with as the cargo van has a faulty alternator. It's voltage regulator is putting out over 19 volts. Has been surging (lights dimming) at idle for some time now and then suddenly spiked to 19 volts where it stays at all the time now. Over voltage limit switch under the dash cuts off most everything in the van excluding some lights & gauges. No radio, blower motor, wipers, interior lighting, ABS doesn't work, Air Bags don't work, etc.

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Old 04-09-2014, 10:38 PM   #2
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Where do you reside? I've owned five lifted jeeps and nobody ever asked about modifications. Never heard of anyone with this issue in the USA.

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Old 04-10-2014, 12:30 AM   #3
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They should be able to insure the jeep as a stock wrangler (no coverage for the aftermarket lift) at the very least. Some companies out there might also cover the lift under custom equipment coverage. I'm an insurance agent but out of Ca so it may be different in your neck of the woods. Try contacting an Allied or Mercury insurance agent near you. Those companies are solid.
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Old 04-11-2014, 10:21 AM   #4
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I would try to keep the same company that it is insured under with your parents. Just move the policy to your name.
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Old 04-11-2014, 01:09 PM   #5
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My Insurance Company never asked about mod's either.
Although 6" is pretty high.
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Old 04-11-2014, 01:51 PM   #6
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I purchased my TJ last summer, called my insurance co on the spot from the dealer just added the Tj to my policy, no questions were ever asked.
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Old 04-11-2014, 03:23 PM   #7
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I actually work as an insurance agent. Call a local agent, Your big box companies that only deal over the phone and online sometimes are not as reasonable as when you get a local person with some common sense...Of course all state rules are different but thats my 2 cents.
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Old 04-11-2014, 10:59 PM   #8
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I actually work as an insurance agent. Call a local agent, Your big box companies that only deal over the phone and online sometimes are not as reasonable as when you get a local person with some common sense...Of course all state rules are different but thats my 2 cents.
I prefer to deal with local agents versus doing everything over the phone, via fax or online. The one that gave me the best deal, but refused to insure the Jeep is State Farm. However, I was told to see another insurance company that could insure the Jeep as they are affiliated with Progressive. Which according to Progressive Insurance TV ads, will insure just about anything. I haven't been to their web site for an online quote. Esurance was quite high.

That 05 Chevy Astro cargo van with liability only cost just as much as a decent full coverage on the Jeep. Why would the van be as much?
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Old 04-12-2014, 05:17 AM   #9
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I just put full coverage on my' 97 tj through State Farm in Fl.
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Old 04-12-2014, 07:11 AM   #10
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I have the full coverage with my insurance and when I told them about having my Jeep modified I was told no problem. Then found out my agent also owns a Wrangler highly modified lol.
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Old 04-12-2014, 02:55 PM   #11
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I jumped on the progressive band wagon, comes with $1000 custom equipment standard (including oversized tires and all the doodads that can cause problems on the road). And you can adjust your custom equipment coverage at any time, just save receipts in case things get broke in an accident.
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Old 04-12-2014, 08:21 PM   #12
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I use esurance with no problems. We use it for 2. Vehicles and 2 motorcycles. It's cheap and has been fantastic (for our needs) for the past 8+ years. And...I have never been asked about modifications on any vehicle. My jeep is lifted 3.5" with larger than stock tires, but before that. I daily drove a 420 whp built Subaru with no issue from esurance.
Good luck!
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Old 04-12-2014, 08:34 PM   #13
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Trying to get my vehicles (cargo van & Wrangler) insured in my name to help build on my credit history.
That's the responsible thing to do, but paying car insurance doesn't build your credit history. Insurance companies don't report your payments to any credit bureau.
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Old 04-12-2014, 09:38 PM   #14
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That's the responsible thing to do, but paying car insurance doesn't build your credit history. Insurance companies don't report your payments to any credit bureau.
What he said....you build credit by building credit not by paying for a service. You have to borrow money and pay it back.

Insurance companies will often pull your credit score as part of your rating process which than drives your rates. There is NO upside for you to leave your parents umbrella. BUT there is a benefit to your parents because you are a liability to them. You make a claim and it impacts them.

However, your parents can be sued for things you do if they are financially responsible for you and especially if they are negligent. For that reason they may want you to have enough coverage on you.
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Old 04-12-2014, 10:00 PM   #15
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I think you need to find a different insurance agent and/or a different insurance company.

I have State Farm and not only do they cover the Jeep but as long as I save receipts and take pics of the mods they will also cover those as well.

I have had a few claims with State Farm (on motorcycle accidents) and they have always went above and beyond what I thought they would cover.


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Old 04-13-2014, 09:30 AM   #16
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Another jeeper with State Farm insurance. I have two jeeps covered, one YJ not lifted and one TJ lifted, both covered the same, no exclusions and I put the lift on myself. You need to contact an agent that knows what they're doing.
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Old 04-13-2014, 10:10 AM   #17
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Another jeeper with State Farm insurance. I have two jeeps covered, one YJ not lifted and one TJ lifted, both covered the same, no exclusions and I put the lift on myself. You need to contact an agent that knows what they're doing.
Same here! They even cover my antique CJ7 (replacement cost).
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Old 04-23-2014, 08:36 PM   #18
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I've been to State Farm in Bangor MI and they flat out said they cannot in any way insure a Jeep Wrangler that has a non-OEM installed lifted suspension. They then directed me to South Haven Insurance Company. I sent them an email and they emailed me back stating they cannot insure a Jeep Wrangler with a modified suspension. I filed a quote with Progressive and had that quote sent to an agent in Portage MI. I never got any response. I called that agent a couple times leaving voicemail. Never got any replies back. I contacted several more local agents from Holland MI, Allegan County and Van Buren County and they too said they cannot insure a Jeep Wrangler with any aftermarket modifications to the vehicle, such as oversized wheels/tires, body lifts and suspension lifts. They highly recommend I take my Wrangler to a Jeep dealership and have their garage reconfigure the Jeep back to original equipment suspension components, wheels and tires.

I was sent an email from one agent to buy insurance directly from Progressive as they might insure the Jeep being on the high lifted suspension. And they will do it cheaper than what I could get from that local agent as they get a commission for filing for the insurance.

I have been told today from coworkers that I should try the General and/or Nationwide. I think I am getting the run-around as my credit history is kinda weak. I'm doing this to help build on the credit history.

I'm waiting for the DSL package to arrive so I can do more quotes online. Dial-up sucks! It takes too long for the pages to load - if they load up at all.
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Old 04-23-2014, 10:33 PM   #19
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As stated above, buying insurance will NOT help your credit history. It can hurt it, if you owe money and they come after you, but simply buying it will not be reported to any agency that can change your credit score. Nobody cares. Get loans and pay them back if you want to build credit. And stop asking your insurance company if they will cover a "lifted" Jeep. Just tell them you want to get insurance for your 98 Wrangler. Been paying for insurance for over 35 years and NOBODY ever asked if I lifted my Jeeps. Your shooting yourself in the foot when you do.
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Old 04-24-2014, 10:30 PM   #20
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As stated above, buying insurance will NOT help your credit history. It can hurt it, if you owe money and they come after you, but simply buying it will not be reported to any agency that can change your credit score. Nobody cares. Get loans and pay them back if you want to build credit. And stop asking your insurance company if they will cover a "lifted" Jeep. Just tell them you want to get insurance for your 98 Wrangler. Been paying for insurance for over 35 years and NOBODY ever asked if I lifted my Jeeps. Your shooting yourself in the foot when you do.
But what if you get into an accident and the insurance company refuses to pay up? Stating "Oh, we didn't realize you have a modified Jeep". I prefer the "Honest Ed" approach, that way I'm not hit with a surprise later on.

Will try Progressive online and not mention a thing about the modifications - once I get switched over to a faster internet connection that is.
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Old 04-24-2014, 10:44 PM   #21
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I prefer to deal with local agents versus doing everything over the phone, via fax or online. The one that gave me the best deal, but refused to insure the Jeep is State Farm. However, I was told to see another insurance company that could insure the Jeep as they are affiliated with Progressive. Which according to Progressive Insurance TV ads, will insure just about anything. I haven't been to their web site for an online quote. Esurance was quite high. That 05 Chevy Astro cargo van with liability only cost just as much as a decent full coverage on the Jeep. Why would the van be as much?
I have State Farm now and they never asked anything about modifications, never asked to see the jeep, or anything about it other than the basics. Pretty much can lie about anything no questions asked
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Old 04-24-2014, 11:32 PM   #22
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^Ditto. I've been with them for 10 years, never have they seen any of my cars, or asked about modifications. Gave them the VIN, and what I wanted my insurance to cover, and that was it.
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Old 04-25-2014, 06:05 AM   #23
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But what if you get into an accident and the insurance company refuses to pay up? Stating "Oh, we didn't realize you have a modified Jeep". I prefer the "Honest Ed" approach, that way I'm not hit with a surprise later on.

Will try Progressive online and not mention a thing about the modifications - once I get switched over to a faster internet connection that is.
Been there, done that *twice*....was *never* an issue. Other guy was at fault, both times, and that was that. Kinda hard to say your lift kit is responsible for someone running a red light....
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Old 04-26-2014, 02:22 PM   #24
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If the other party is at fault, their property damage coverage should cover your Jeep completely up to their policy limits.

Also, if your agent or company doesn't ask about your custom equipment or they didn't know about it, your Jeep is most likely covered as a stock vehicle. When you are at fault in an accident and you have collision coverage, your company will repair or pay to replace a stock vehicle. I highly recommend talking with a local agent.

Hope this helps!
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Old 04-26-2014, 05:11 PM   #25
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I got a pretty good quote with progressive. Will go with them.

As to the first local agent, they seen my Jeep parked outside and asked if that was a factory installed kit. I said I didn't know and another fellow looked at it and said no, it's aftermarket. If I would have shown up with the van i would have had State Farm but I had electrical issues with the van that day. Oh well.... water under the bridge now. Will be getting Progressive and with a lower quote.

Thanks for the replies.
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Old 04-28-2014, 06:10 AM   #26
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Not sure I ever heard of a vehicle being refused based on a suspension though I am sure guys with huge lifts are a problem.

I would think the insurance company would be more worried about how the vehicle is used. For example, why not just ask if you off road and charge accordingly.
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Old 04-28-2014, 02:30 PM   #27
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For example, why not just ask if you off road and charge accordingly.
There aren't many insurance companies that will cover you if you're in an off road accident.
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Old 04-30-2014, 07:17 PM   #28
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Why not ask beforehand when you have a customer whom has a Jeep? Most people who own a Jeep, who are off road enthusiast, want a Jeep that has been modified in some way, shape or form. Whether that is brush guards, bigger wheels/tires, suspension lifts, body lifts, more lights, etc. Most companies should be upfront right away and ask those questions versus bringing it up when the final paperwork has been done or after the fact the Jeep is insured.

A Jeep that is modified is worth more (holds it's value) than one that is all stock.

Just for a sake of argument, I didn't tell the local agents I have a modified suspension, they asked that when I show up in the Jeep. I drove the Jeep cause -- well... I like driving my Jeep. I drive the cargo van most everyday to work. Miss shifting gears and clutching.

I am trying to seek someone locally who is willing to do a swap. My 6 inch Rough Country lift kit with adjustable control arms for a 3 inch lift with fixed control arms. I'm never going to do any serious mountain or rock climbing. A three inch lift will be most sufficient for most off road driving and be a bit more stable on the freeway. And with the tires I have, that will look better versus the huge void I currently have in the wheel wells.
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Old 05-11-2014, 05:31 PM   #29
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There aren't many insurance companies that will cover you if you're in an off road accident.
That's scary considering all the jeepers running around with loans and leases....
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Old 05-11-2014, 05:39 PM   #30
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State farm here. They didn't ask any questions about being lifted, and it's cheaper than my wife's grand Cherokee to insure. (full coverage on both)

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